Credit Card Cost Calculator

Find the true annual cost of any credit card. Compare what you pay in fees vs what you earn in cashback.

Your Monthly Spending

Dining & Restaurants

Groceries & Supermarkets

Fuel / Petrol

Shopping & Online

Travel & Hotels

Other / Bills

Total Monthly Spend 0

Card Annual Fee

Cashback Rate (%)

Monthly Interest Rate (%) — if you carry a balance

Average Unpaid Balance (carried to next month)

You Pay (Costs)

You Earn (Rewards)